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About Card

YES Prosperity Rewards Plus Credit Card

YES Prosperity Reward Plus Credit Card is best suited for those card user who wants to earn reward points on everyday spending with an annual fee as low as Rs. 399. You can get 4 Reward Points on every retail spend of Rs. 200, and for other spendings like tax payments and utilities, you get 2 Reward Points per Rs. 200. Carduser can also get a waiver of joining and annual fee with spending conditions.

Card

1st Year Fee

Rewards

Best Suited For

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YES Prosperity Rewards Plus Credit Card

4.5/5

₹ 399+ taxes as applicable

Reward Point

Shopping

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What you'll love

  • For every Rs. 200 spent on retail purchases, you will get 4 Reward Points.
  • 2 Reward Points on every Rs. 200 spent on utilities, bus lines, and tax payments.
  • On each registration on YES PayNow, you will get 500 Reward Points.
  • Accelerated Reward Points on selected purchases done through YES cart.
  • Spend-based waiver of joining and renewal fee.
  • You can avail of great offers on dining, shopping, travel, wellness, etc.

Documents

  • Photo id: Pan Card, Addhar card, Passport, Voter id, Job Card issued by Nerega

  • Valid address Proof- Addhar card, Passport, Voter id card, House Registry documents,Utility bill not more than 2 months old

  • Income proof: Latest 2 month’s salary slip, latest form 16, and latest bank statement

Eligibility For Prosperity Rewards Plus Card

  • For Salaried

    Indian National
    Age: Min 21 years & Max 60 Years,
    Net Monthly Income> Rs 35,000

  • For Self Employed

    Indian National
    Age: Min 21 yrs & Max 65 Yrs
    Income: ITR > ₹5.0 Lakhs per annum

You'll also love

Rewards Benefit

  • Get 4 Rewards points per 200 Rs spent on a Retail purchase
  • Get 2 Rewards points per 200 Rs spent on utility bill payments, tax payments, bus lines
  • Get  500 Rewards points on each registration on YesPay

Reward redemption points:  

  • Reward Points against Air Miles (10 Reward Points = 1 InterMile / 1 Club Vistara Point)
  • Exclusive Catalogue of Products to choose from

Welcome Benefit

  • 12,000 bonus reward points on spending of Rs. 3.6 lakh or more in each anniversary year

Travel Benefit

  • N/A

Golf Benefit

  • N/A

Welcome Benefit

  • N/A

Movie & Dining Benefit

  • N/A

Lounge Access Benefit

  • N/A

Insurance Cover Benefit

  • Credit Shield cover in case of accidental death of Primary Cardholder

Fuel Surcharge Waiver

  • Get1% Fuel surcharge waiver at all fuel stations across India for transactions between INR 400 to INR 5,000

Joining & Renewal Fee Waiver

  • Waiver of Joining  fee on spending 50000 within 12 month of card issuance 

 

Why Should You Choose This Card?

HDFC Money back credit card is one of the best cards for the entry-level customer, this card offers cash back on every transaction. Card holders get 2x reward on online shopping & 2 reward point on offline shopping. This credit card comes with very minimum charges and is considered to be the most preferred credit card by customers.

Eligibility

For Salaried

  • Indian National
    Age: Min 21 years & Max 60 Years,
    Net Monthly Income> Rs 35,000

For Self Employed

  • Indian national
    Age: Min 21 yrs & Max 65 Yrs
    Income: ITR > ₹5 Lakhs per annum
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Fees and Charges on the YES Prosperity Rewards Plus Credit Card

Fees & Charges

Amount/Rate

Joining & Renewal Fees

399+ Taxes Renewal fees waived, on the spending of 50000 in 12 months from the date of activation

Interest-free period

Up to 50 days

Cash Withdrawal Limit

30 % of the card limit

Foreign Exchange Markup

2.75%

Finance Charges/Cash Advance Fee

3.50% of the amount

Over Limit Fee

2.50% of the amount

Late Payment Charges

For Amount

  • Below  or equal to Rs. 100- Nil
  • From Rs. 101 to Rs. 500- Rs. 150
  • From Rs. 501 to Rs. 5,000- Rs. 500
  • From Rs. 5,001 to Rs. 20,000- Rs. 750
  • Above Rs. 20,000- Rs. 1,000

Add On Card Fee

Nil ( Upto 3 cards can be issued)

Payment Return Charges ( For Chq/Auto Pay)

Rs 350 Per instance

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FAQs on YES Prosperity Rewards Plus Credit Card

  • You can contact to Yes bank customer care via different platform like, custmore care no 1800 103 1212 (Toll-Free for Mobile & Landlines in India) +91 22 4935 0000 (When Calling from Outside India) Email us at [email protected]

  • No, YES Prosperity Rewards Plus Credit Card does not charge a fuel surcharge fee as long as the user spends between Rs. 400 and Rs. 5,000.

  • If you have YES Prosperity Rewards Plus Credit Card, you will have to pay a cash advance fee of 2.5% of the transacted amount or a minimum of Rs. 300 (whichever is higher) which will be billed in the next monthly statement. The transaction fee is subject to change at the sole discretion of the bank.

  • Yes, you can redeem your Reward Points against InterMiles at a rate of 10 Reward Points = 1 InterMile.

  • Yes, you can get your joining fee waived off if you spend over Rs. 10,000 within the first 90 days after receiving your YES Prosperity Rewards Plus Credit Card.

  • The Reward Redemption fee on this card is Rs. 100 per redemption request.

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